SWICA or Sanitas in Region 2 of canton St. Gallen?

In Region 2, SWICA is CHF 86.40 a year cheaper than Sanitas for an adult on the same profile. Here is the detail — and what a third insurer would do.

The verdict, in this region

SWICA comes down to CHF 450.10 a month, Sanitas to CHF 457.30. The gap is CHF 86.40 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 419.60 a month. Moving there rather than to SWICA is worth CHF 366.00 more a year. Agrisano

SWICA ranks 5 and Sanitas ranks 9, out of 25 active insurers in this region.

With free choice of doctor, the one model every insurer offers — and therefore the only one where a row-by-row comparison compares the same thing.

Deductible	SWICA	Sanitas	Gap
300	CHF 532.60	CHF 537.90	− 5.30
500	CHF 521.00	CHF 526.30	− 5.30
1'000	CHF 491.80	CHF 497.10	− 5.30
1'500	CHF 462.60	CHF 467.90	− 5.30
2'000	CHF 433.50	CHF 438.80	− 5.30
2'500	CHF 404.30	CHF 409.60	− 5.30

Each insurer’s lowest rate in each model type, 300-franc deductible.

Against 2025, SWICA moves by + 2.0 % and Sanitas by + 4.1 % in this region.

Source: Federal Office of Public Health (FOPH), official premiums.